Tips to find best travel insurance
Tips to find good and adequate international travel health insurance.
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TATA AIG Travel InsuranceMedical evacuation
Included in Medical Expenses - Injury and or Illness
Pre-existing coverage in life threatening situations
Upto $20,000
Accidental Death and Dismemberment Benefit
Upto $5,000
Baggage loss and Delay
Upto $500
Loss of Passport
From $250 Upto $500
Personal Liability
Upto $500,000
Trip Cancellation
Upto $1500
Emergency Sickness Dental Expense
Upto $1200
USD 50,000 to 500,000
58.9%
63%
6,05,894
7,40,370
TATA AIG’s Travel insurance program covers the insured from any unforeseen emergency while traveling abroad or within India, on Business or for Leisure. The plans are ideal for travelers going to any country across the world including the USA, Canada, Europe, South East Asia or Australia. The travelers can also remain covered throughout their travel to any destination in India on any mode of transport.
There is a simple online application for travelers to complete and enroll to purchase TATA AIG’s travel insurance.
Travel Guard is a product specifically for International Travelers who are traveling on business or leisure to any destination across the world. This is the largest selling plan for Tata AIG and it is the most comprehensive in terms of Benefit Coverage and Sum Insured options.
Tata AIG currently offers seven variants of their International Travel Insurance product - five variants of Single Trip plans offering different Accident & Sickness (A&S) with Sum insureds like Silver Plan – US$50,000, Silver Plus Plan - US$100,000, Gold Plan - US$250,000 and Platinum Plan - US$500,000 and a recently introduced Senior Plan with a coverage of UDS $50,000. Apart from the Single Trip plans, they offer two variants of Annual Multi Trip Plans with different A&S coverage - Gold Plan - US$250,000 and Platinum Plan - US$500,000.
What is the maximum entry age for Travel Guard in Tata AIG?| Silver $50,000 Single Trip |
Silver Plus $100,000 Single Trip |
Gold $250,000 Single Trip |
Platinum $500,000 Single Trip |
Gold $250,000 Annual MultiTrip |
Platinum $500,000 Annual MultiTrip |
|---|---|---|---|---|---|
| Accident and Sickness Medical Expenses Reimbursement (Deductible $100) ? | |||||
| 50,000 | 100,000 | 250,000 | 500,000 | 250,000 | 500,000 |
| Accidental Death and Dismemberment Benefit(24 Hrs) ? | |||||
| 10,000 | 10,000 | 15,000 | 25,000 | 15,000 | 25,000 |
| Accidental Death and Dismemberment (Common Carrier) ? | |||||
| N/A | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 |
| Emergency Sickness Dental Expense ? | |||||
| 300 | 400 | 500 | 1,000 | 500 | 1,000 |
| Emergency MedicalEvacuation * ? | |||||
| Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement |
| Repatriation of Remains * ? | |||||
| Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement |
| Baggage Delay Benefit * (After first 12 hrs) ? | |||||
| 50 | 100 | 200 | 500 | 100 | 200 |
| Checked Baggage Loss Benefit # ? | |||||
| 500 | 750 | 1,000 | 1,000 | 1,000 | 1,000 |
| Loss of Passport (Deductible $30) # ? | |||||
| 250 | 250 | 250 | 250 | 250 | 250 |
| Personal Liability(Deductible $200) ? | |||||
| 100,000 | 150,000 | 200,000 | 500,000 | 200,000 | 200,000 |
| Hijack*(Deductible $100) ? | |||||
| N/A | Included | Included | Included | Included | Included |
| Automatic extension of policy upto 7 days ? | |||||
| Available | Available | Available | Available | Available | Available |
| Emergency Cash Advance ? | |||||
| 500 | 750 | 1,000 | 1,500 | 1,000 | 1,500 |
| Fraudulent Charges (Payment Card Security) | |||||
| 500 | 500 | 1,000 | 2,000 | 1,000 | 2,000 |
| Home Burglary (In Rs.) | |||||
| Rs.100,000 | Rs.100,000 | Rs.200,000 | Rs.200,000 | Rs.200,000 | Rs.200,000 |
| Trip Cancellation | |||||
| 500 (Deductible 50) |
500 (Deductible 50) |
750 (Deductible 75) |
1,000 (Deductible 100) |
750 (Deductible 75) |
1,000 (Deductible 100) |
| Trip Curtailment | |||||
| 500 (Deductible 50) |
500 (Deductible 50) |
750 (Deductible 75) |
1,000 (Deductible 100) |
750 (Deductible 75) |
1,000 (Deductible 100) |
| Missed Connection/Missed Departure | |||||
| 500 (Deductible 50) |
500 (Deductible 50) |
750 (Deductible 75) |
1,000 (Deductible 100) |
750 (Deductible 75) |
1,000 (Deductible 100) |
| Bounced Hotel /Airline booking | |||||
| 500 (Deductible 50) |
500 (Deductible 50) |
750 (Deductible 75) |
1,000 (Deductible 100) |
750 (Deductible 75) |
1,000 (Deductible 100) |
| Plan Name | Platinum | ||||
| Age Band | 19 - 40 years | 41 - 60 years | 61 - 70 years | 71 - 79 years (only for RENEWALS) | > 80 years (only for RENEWALS) |
| 30 days duration | 4,152 | 5,768 | 10,514 | 17,665 | 26,918 |
| 45 days duration | 4,733 | 5,866 | 16,965 | 27,143 | 56,459 |
Asia Travel Guard is Tata AIG’ s product designed for travellers within the continent of Asia but excludes Japan & Korea. There are two variants of the plan namely Silver and Gold with differential Sum Insureds for Emergency Accident & Sickness (A&S). The Silver plan has an A&S coverage of $50,000 while the Gold Plan has A&S coverage of $200,000.
The maximum trip duration under this policy will be for 14 days.| Silver (US $50,000) | Gold (US $US $200,000) | Deductible |
|---|---|---|
| Accident and sickness medical expenses reimbursement | ||
| US $50,000 | US $200,000 | US $100 |
| Accidental death and dismemberment benefit | ||
| US $10,000 | US $15,000 | N/A |
| Medical evacuation* | ||
| Included | Included | N/A |
| Repatriation of remains* | ||
| Included | Included | N/A |
| Checked baggage delay | ||
| N/A | US $75 | N/A |
| Checked baggage loss benefit# | ||
| US $500 | US $1000 | N/A |
| Loss of passport | ||
| US $250 | US $250 | US $30 |
| Personal liability | ||
| US $1,00,000 | US $2,00,000 | US $200 |
Studying abroad is a crucial opportunity for students. You can explore new lands, new cultures and new lifestyles during your spare time while abroad for studies. But you also should be aware that along with the opportunity there can be risk of accident or loss of sponsorship. TATA AIG StudentGuard insurance is designed for people who are travelling abroad to pursue their studies.
| Plan A (US $50,000) | Plan B (US $1,00,000) | Ultimate (US $2,50,000) | Ultimate Plus (US $5,00,000) | Supreme (US $5,00,000) |
|---|---|---|---|---|
| Accident & Sickness Medical Expenses Reimbursement | ||||
| US $50,000 100 | US $1,00,000 100 | US $2,50,000 100 | US $5,00,000 100 | US $5,00,000 100 |
| Emergency Evacuation | ||||
| US $5,000 | US $10,000 | US $15,000 | US $25,000 | US $25,000 |
| Repatriation of Remains | ||||
| US $2,500 | US $5,000 | US $7,500 | US $10,000 | US $10,000 |
| Accidental Death and Dismemberment | ||||
| US $10,000 | US $25,000 | US $25,000 | US $30,000 | US $50,000 |
| Felonious Assault (AD&D) | ||||
| US $5,000 | US $5,000 | US $25,000 | US $25,000 | US $25,000 |
| Checked Baggage Loss* | ||||
| US $500 | US $1,000 | US $2,000 | US $2,500 | US $2,500 |
| Baggage Delay (After 12 hours only)# | ||||
| - | US $50 | US $150 | US $250 | US $250 |
| Loss of Passport | ||||
| US $250 30 | US $250 30 | US $250 30 | US $250 30 | US $250 30 |
| Personal Liability | ||||
| US $1,00,000 200 | US $1,00,000 200 | US $5,00,000 200 | US $5,00,000 200 | US $5,00,000 200 |
| Study Interruption | ||||
| US $7,500 | US $7,500 | US $15,000 | US $25,000 | US $25,000 |
| Sponsor Protection | ||||
| US $10,000 | US $10,000 | US $20,000 | US $25,000 | US $25,000 |
| Compassionate Visit (2-Way) | ||||
| US $1,500 | US $5,000 | US $7,500 | US $10,000 | US $10,000 |
| Bail Bond | ||||
| US $500 | US $1,000 | US $5,000 | US $5,000 | US $5,000 |
| Maternity Benefit(Only Inpatient Treatment incl 1 month post Natal Cover) - Waiting Period - 10 Months | ||||
| US $500 | US $1,000 | US $2,000 | US $2,500 | US $3,000 |
| Treatment for Mental and Nervous Disorders: Including Alcoholism and Drug Dependency | ||||
| - | US $500 | US $1,000 | US $2,000 | US $2,500 |
| Cancer Screening and Mammography Examinations | ||||
| US $250 | US $500 | US $1,500 | US $2,500 | US $3,000 |
| Assistance Services | ||||
| Included | Included | Included | Included | Included |
Domestic Travel Guard completes the product offerings under Travel for Tata AIG. It is a plan suited for insuring a domestic travel journey on business or leisure. Domestic Travel is perhaps the most underpenetrated market in the India insurance space because most persons believe that there is no need for insurance while traveling within India. Tata AIG’s Domestic Guard covers travel outside the home city/location on any mode of transport ie. Air, Road, Rail etc.
Tata AIG’s Domestic Travel Guard has only one plan but there is an option for the insured to purchase multiple units (maximum upto 5 units) of this basic plan. Domestic Travel Guard Insurance also offers many unique benefits such as family transportation cover in case of emergencies, lost ticket reimbursements, missed departure compensations, personal liability coverage and personal accident insurance. So the next time you are traveling, ensure that you leave behind your worries and enjoy every moment of the trip.
| Amount in Rupees | Deductible |
|---|---|
| Accidental Death and Dismemberment(Common Carrier) | |
| Rs. 50,000 | NA |
| Accident Medical Expenses | |
| Rs. 20,000 | Rs. 250 |
| Assistance Services | |
| Included | NA |
| Emergency Medical Evacuation Benefit | |
| Rs. 10,000 | NA |
| Repatriation of Remains Benefit | |
| Rs. 10,000 | NA |
| Personal Liability Benefit | |
| Rs. 1,00,000 | Rs. 200 |
| Accident-In - Hospital Indemnity Benefit (max 7days) | |
| Rs. 500 | 1 day |
The Assistance Company, Europe Assistance offers claims support and assistance to the Traveller abroad, across the world. They have 8 alarm centres across the world and Tata AIG’s overseas portfolio is managed from Houston, US and Kuala Lumpur, Malaysia…Some of their services include:
There are many advantages of buying TATA AIG’s insurance plans online. Some of the advantages are listed below:
Travel insurance provides insurance coverage during ones travel overseas. You can also get domestic travel insurance for travel within India, Travel insurance provides coverage more than just for the duration of your travel itself. The scheme covers medical expenses incurred for any in-patient& outpatient treatment throughout your journey.
The duration of the Policy from the start date till the expiry date of the policy is called as ‘Policy Period’. You can benefit the coverage as specified only during the duration of ‘Policy Period’.
The standard deductible under the Accident & Sickness Reimbursement is $100 irrespective of the value of the claim. The same is not taxable.
Yes, Tata AIG offers Travel Guard plans without sublimit restrictions, which you can opt for your parents who are 60+ and travelling overseas.
The sublimits are applicable to the Age Category of 56-79. Please refer the benefits under all Plans as in the Travel brochure of Insurance Company.
There is no restriction on the hospital where treatment should be taken. The treatment can be taken in any hospital in the world outside India. However, the only restriction is that the hospital should be a registered hospital under the local jurisdiction. It is however advisable in pre planned hospitalization, the Insured informs the Assistance Company whom may choose the direct them to a Network Hospital in the same locality.
The sum insured as mentioned in the policy schedule is for each traveling member. For eg. If there are 3 family members traveling under a single Gold Plan policy, each of the them will be covered for a SI of $250,000 under the Accident & Sickness benefit.
Also this limit of $00,000 is per accident which means that the limit gets topped up once a claim is settled. For eg. If Individual A has had an accident and had filed a claim for $10,000, in the event of another sickness claims he/she will be eligible for $200,000 in full and the same will not be reduced by the $10,000 already claimed under the first claim. However the deductible of $100 will be applicable for a single claim/incident.
There is no restriction on the number of claims per person in the policy period.
A newborn child will be covered after 6 months of birth.
Persons between 6 months up to 70 years can buy TATA AIG travel insurance. For those who are above the age of 70 (i.e. 71-79) can buy Senior Citizen plan.
Trip - means any Insured Journey during the Insured Period which starts and finishes in India and involves a destination(s) outside India; which lasts or is expected to last for: « up to 180 » Days or less if covered under Single Trip Insurance; or « up to 30/ 45 » Days or less per Trip, if covered under Annual Multi Trip Insurance.
Tata AIG essentially offers two types of travel insurance plans…one for single trip and another for multi trip (frequent travellers going abroad more than 3-4 trips in a year). Under the Single trip plans Tata AIG offers Travel Guard for individuals traveling to any part of the world…They also offer plans specific for Asia, and for Domestic travel within India. They also have an insurance plan specifically for students going abroad for their higher studies.
Under the Multitrip they offer a comprehensive Annual Multitrip plan covering frequent travellers which has worldwide coverage.
In an insurance policy, the deductible is the amount paid out of pocket by the policy holder before an insurance provider will pay any expenses. In general usage, the term deductible may be used to describe one of several types of clauses that are used by insurance companies as a threshold for policy payments. The policy deductible is applicable for each instance of sickness/ailment.
For continuous treatments relating to the same sickness, the deductible will only be applicable once. The insured is required to quote the Claim reference number when contacting the assistance company while undergoing follow up / re-revisit treatments. The deductible will need to be paid in each instance of a new/ different ailment / sickness. The deductible under the Accident & Sickness is normally USD $100 under all Tata AIG plans.
Yes, Tata AIG offers Cashless Travel/Health Insurance overseas for inpatient hospitalisation, subject to the treatment being covered under the policy. The Assistance TPA/Insurance company will pay up to 100% of the claim to the medical facility above the deductible amount (mentioned on the policy certificate), upto the maximum Sum Insured availed and subject to the policy terms and conditions. This will be done either by placing a Guarantee of Payment (GOP) or making a payment directly to the hospital. This is subject to eligibility of the insured for coverage.
Let us look at a couple of examples…
Example 1 - if the insured is admitted to the hospital for treatment for a covered illness and the hospital estimates the expenses to be $700, then Tata AIG will pay the hospital $600 and the insured will pay the $100 which is the deductible under the policy.
Example 2 – if the insured is admitted to the hospital for treatment for a covered illness and the hospital estimates the expenses to be $70,000, and the total Sum Insured under the policy is $50,000, then Tata AIG will pay the hospital $49,900 and the insured will need to pay the remaining $20,100 which is the deductible under the policy. (Insurer will pay max sum insured of $50,000 minus deductible of $100).
Yes, Tata AIG’s travel insurance plans do cover outpatient medical expenses upto the sum insured opted for by the traveller. However the difference between inpatient and outpatient treatment is that in the case of outpatient (OPD) treatment, the travelling insured needs to settle the hospital bills directly by making a payment to the facility and then get a refund from the insurance company after submitting the invoices to the claims team. This reimbursement process could take upto 7 working days after submitting all the relevant documents.
Tata AIG’s best selling plan is Travel Guard. Under Travel Guard, they offer an “Excluding Americas” plan which covers travellers who are going to any other country in the world except North and South America. This plan will cover you for your travel to both the Schengen countries and UK. Given the cost of healthcare in these countries it is advisable to go ahead with the Gold or Platinum plan.
A pre existing condition means any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to commencement of the first Policy issued by the Insurer. This means that if the insured is traveling abroad with a pre existing condition and avails of any treatment abroad, Tata AIG will not be liable for paying the claim.
Tata AIG however offers a limited coverage for medical arising due to pre existing conditions, when the situation is Life threatening in nature upto $1,500. A Life threatening condition is an unforeseen medical emergency, which puts the life of the insured at extreme risk. In such event, measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition would be reimbursed upto a limit specified in the policy terms and conditions.
The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain. All further medical cost to improve or maintain medically stable state or to prevent the onset of acute pain would have borne by the Insured.
Technically Travel Insurance doesn’t fall under the category of insurance policies which have a renewal date. Two types of plans (Student Insurance and Annual Multi Trip plans) have a renewal date or what can be termed as an extension date. Hence once must apply for a renewal/extension on eindiainsurance and post approval from the insurance company, the extension / renewal policy can be purchased on the same website.
Tata AIG’s travel insurance plans for business and leisure travellers can be purchased for a maximum duration of 180 days at a time. As a special case, the traveller can seek an extension beyond this duration, but that is subject to approval from the Tata AIG team. However the Tata AIG Student plans have a maximum duration of 365 days at a time.
There are two types of claims that an insured can file under a Travel Insurance policy.
The first is a Cashless/Direct Settlement claim which is typically for Inpatient treatment for Accident & Sickness Medical expense claims. So if the insured is admitted to the hospital, the family should reach out to the Assistance TPA (their contact details are on the insurance certificate) and inform the about the hospitalisation. The Assistance Company will make coordinate with the hospital and insurance company to make a payment directly with the hospital.
The other type of claims are Reimbursement claims where the upfront expenses are incurred by the insured and then a reimbursement is sought from the Insurance company. Reimbursement claim are usually for Outpatient Medical Expense claims and for Non Medical claims like Passport Loss, Baggage Delay/Loss, Trip Delay, Missed Connection, Personal Accident etc.
Here the insured is required to retain bills, receipts, documents pertaining to the expenses incurred and then submit the same to the insurance company on their return to India. The documents are submitted along with a claim form which narrates the type of loss incurred and other information including bank details, policy details etc. All insurance companies reimburse these claims against the documents submitted in a standard outer timeframe of 7 working days subject to policy terms and conditions.
Tata AIG currently has sublimits under its Travel insurance policies as per the table below…this means that if there is an insured who has opted for an insurance policy with a sum insured of $50,000, in case of a surgery, the insurance company’s exposure/claims payment will be restricted to $10,000 (see table below for Surgical Treatment). Similarly there is a restriction on the room rent, ICU charges etc.
| Tata AIG Sublimits for Insureds above 56 years of age | |
| Hospital Room and Board and Hospital miscellaneous | Max $1,500 per day upto 30 days whichever is less. |
| Intensive Care Unit | Max $3,000 per day upto 7 days whichever is less. |
| Surgical Treatment | Max $10,000 |
| Anaesthetist Services | Upto 25% of Surgical Treatment |
| Physician's Visit | Max $75 per Day upto 10 visits |
| Diagnostic and Pre-Admission Testing | Max $500 |
| Ambulance Services | Max $400 |
Tips to find good and adequate international travel health insurance.
Know more »Comparison of overseas Healthcare cost and popular tourist destinations.
Know more »How to use visitor insurance in case of sudden sickness and accidents.
Know more »You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.
Know more »Travelers who have already traveled from India and do not have insurance can buy Tata AIG travel medical insurance after getting the approval.
Know more »TATA AIG health insurance renewal customers can renew existing policy online before the exipry date at any time.
Know more »In case of a claim or reimbursement of treatment expenses, notify Tata AIG by contacting them.
Know more »Kindly refer the Policy Wordings for complete coverage details along with terms and conditions.
Know more »Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.
Know more »